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Vera Vita Real Estate

— About this home

Fresh to market in Riviera Beach! 3020 Laurel Ridge Cir is a well-kept 2BR/2BA with 1-car garage, bright and functional layout. Prime spot minutes to Singer Island beaches, marinas, shopping, dining, and I-95 quick to Downtown West Palm. Quiet neighborhood with easy access to parks and schools. Investors: tenant in place through 01/16/2027 at 1,950/mo— from day one. Shown by appointment. See Broker Remarks!

— Facts & features

Interior

  • Other

Exterior

  • Other

Appliances

  • Dishwasher
  • Disposal
  • Microwave
  • Refrigerator

Cooling & heating

  • Central Air
  • Central

Flooring

  • Ceramic Floor

Parking

  • Additional Spaces Available
  • Covered

View

  • Garden View

Community amenities

  • Basketball Court
  • Other
  • Pool
  • Tennis Court(s)

Security

  • Other

Maintenance includes

  • Landscaping/Lawn Maintenance

Pets

  • Restrictions Or Possible Restrictions

Construction & roof

  • CBS Construction

— Assigned schools

Elementary

Washington Elementary Magnet School

Middle

John F. Kennedy

School assignments should be independently verified.

— Location

3020 Laurel Ridge Cir, Riviera Beach

— Mortgage Estimator

Estimate your monthly cost.

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Home priceUSD
Enter as digits, with commas, or shorthand: 1.9M · 1900K · 1,895,000
ZIP codePalm Beach
Palm Beach County (exact match).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $49,000
%
$196,000 financed
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
Primary residenceNo
No homestead exemption — full property tax applies.
Credit score banddrives rate
Lenders price LLPA adjustments by credit band. See impact panel for monthly + lifetime deltas.
Your finances — optional, for DTI
Gross annual income
$
Other monthly debts
$
Household combined pre-tax income and the sum of your monthly debt-service payments (auto loans, student loans, credit-card minimums). We don't count groceries, utilities, or insurance — those don't factor into lender DTI.
— Estimated monthly
$2,465
Per month, all-in
53%P&I SHARE
Monthly breakdown
  • Principal & interest$1,30353%
  • Property taxes$45919%
  • Insurance$2008%
  • HOA$50320%

Tax: From listing — annual tax of record.

Insurance: Direct coastal exposure — Florida hurricane corridor. Estimate; actual quote can be 30–50% higher on older homes or homes without wind mitigation.

Cash & qualification
Cash at closing
$62,730
Income to qualify
$106,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $15/mo and $5,672 over the life of this loan.

Over the life of the loan
Total paid
$469,201
Total interest
$273,201
Paid off
2056
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The data relating to real estate for sale on this web site comes in part from the participants of the Miami Association of REALTORS® IDX program. Information is deemed reliable but not guaranteed. Listings displayed may not reflect all real estate activity in the market. Copyright © 2026 Miami Association of REALTORS®. All rights reserved.